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Tag : disposable

How Do I Know Whether to File Chapter 13 or 7?

Bankruptcy Law Overview, Chapter 13, Chapter 7, Foreclosure, Modifications

As a consumer debtor, you will usually have two options when deciding to file bankruptcy; Chapter 13 or 7 under the Bankruptcy Code.  The question is which is better?; and which one should you file?  The answers to these questions are as unique as your individual circumstances. Under Chapter 7 of the Bankruptcy Code, you are […]

Projected Disposable Income in Chapter 13

Chapter 13

In determining “projected disposable income” for the purposes of creating a chapter 13 bankruptcy plan, how do we deal with debtors whose incomes have changed?  Can we just disregard that huge bonus you received; or what happens when your income goes up, or down during your bankruptcy?  How should we deal with that car you […]

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